Physician Mortgage Loans Texas
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
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Doctor Home Loans Texas
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in Texas— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in Houston, Austin, Dallas, or 2 other cities, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
Texas has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Zack Cervantes writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
Top Cities for Physician Mortgages in Texas
Each city below is a major physician borrower market in Texas. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage Houston
Houston physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Houston is home to MD Anderson Cancer Center, Houston Methodist, Texas Children's Hospital, Memorial Hermann, Baylor St. Luke's — physicians at any of these hospital systems qualify. Popular physician neighborhoods include The Heights, Montrose, EaDo.
Full Houstonphysician mortgage details →Physician Mortgage Austin
Austin physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Austin is home to Dell Seton Medical Center, St. David's Medical Center, Ascension Seton — physicians at any of these hospital systems qualify. Popular physician neighborhoods include South Congress, East Austin, Zilker.
Full Austinphysician mortgage details →Physician Mortgage Dallas
Dallas physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Dallas is home to UT Southwestern Medical Center, Baylor University Medical Center, Parkland Memorial — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Uptown, Deep Ellum, Bishop Arts.
Full Dallasphysician mortgage details →Physician Mortgage San Antonio
San Antonio physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. San Antonio is home to University Health, Methodist Hospital, BAMC — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Pearl District, Alamo Heights, King William.
Full San Antoniophysician mortgage details →Physician Mortgage Fort Worth
Fort Worth physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Fort Worth is home to Cook Children's, John Peter Smith Hospital, Baylor Scott & White All Saints — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Sundance Square, Near Southside, West 7th.
Full Fort Worthphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.